Royal Sundaram's Family Plus Health Insurance Plan
Buy Now
Summarize with
ChatGPT Claude Perplexity
Royal Sundaram Health Insurance Royal Sundaram Health Insurance ★ 4.4

Royal Sundaram Family Plus Plan

Royal Sundaram Family Plus Health Insurance Plan offers individual cov ...Read More

Up to 1.5 Cr
Sum insured
1
No. of plans
160+
Pan India presence
96.17%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,703 reviews
🏥 10,000+ hospitals
📊 2.20 solvency ratio
✅ 96.17% claim settlement

About Royal Sundaram Family Plus Plan

A quick read on what this Royal Sundaram Health Insurance plan covers and why it might be a fit for you.

Give your life a new direction with the Royal Sundaram Family Plus plan if you are planning a family or want to protect your extended family.

Healthcare costs are rising, making it essential to buy a health insurance plan that covers all family members, including your spouse, children, parents, in-laws, and extended family, up to 19 members. This plan also secures your child's future health needs and provides maternity and newborn covers.

You can purchase the Royal Sundaram Family Plus plan as a combination of Individual SI + Floater SI, covering all family members under a shared sum insured.

This article provides all the information you need about the Royal Sundaram Family Plus plan. Read further to learn more.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 Years to No Upper Limit
Plan type
Individual and Family Health Insurance
Sum insured options
₹2 L, ₹3 L, ₹5 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹50 L
Waiting period
30 days
Renewability
Lifetime
Policy term
1,2,3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Ambulance Cover
  • Re-load of Sum Insured
  • Second Opinion for 11 specified Critical Illnesses

Cons

  • Investigation & Evaluation
  • Obesity/Weight Control
  • Alcoholism

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Not covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Benefits of Buying Royal Sundaram Family Plus Insurance Plan

  • Emergency domestic evacuation

    This policy covers emergency evacuation at the domestic level for up to INR 1 Lakh.

  • Nutritional allowance post-discharge

    Provides nutritional allowance for the mother post-discharge, up to INR 10,000.

  • No cost sum insured reload benefit

    Policyholders can benefit from an additional sum insured reload without extra cost if the base sum insured is exhausted.

  • Covers up to 19 family members

    Cover up to 19 family members, including self, spouse, dependent children, parents, and in-laws.

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions not covered under the plan include:
  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and abortion
  • Congenital disease
  • Infertility and in vitro fertilization
  • Certain diseases and treatments are covered after a waiting period:
  • Listed ailments after 48 months
  • Pre-existing diseases after 36 months
  • The Royal Sundaram Family Plus policy is an excellent investment for those planning to extend their family or secure their children's future. It covers all family members, including in-laws and extended family.
  • Have questions about this health policy? Call us at 1800 4200 269 for quick assistance.

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 18 Years
  • Max entry age: No upper limit
  • Sum Insured: Up to 50 L
  • Initial waiting period: 30 Days

Other features & benefits

  • Maternity cover
  • Health and wellness
  • Nutritional allowance

Royal Sundaram Family Plus Health Plan: FAQs

The 6 most-asked questions about Royal Sundaram Family Plus Plan, answered.

Pre-policy medical check-ups are only applicable to people 45+ years of age group and those who have some pre-existing disease.
The individual-based plan of RS Family Plus comes with SI options ranging from 2 Lakhs to 15 Lakhs. Whereas, the family floater plan has SI options ranging from 3 Lakhs to 50 Lakhs.
You can cover 19 individuals under the family floater plan variant.
You can provide the proper residential address to your insurer, and if you live in a non-metropolitan city, there will be a 15% discount on the payable premium based on zone charges.
It means you are eligible to buy a health insurance plan which comes as a set of individual plan SI + family plan SI.
Against all the paid premiums of your policy, you can avail of the tax benefit upto the specified limit.

Explore Royal Sundaram Health Insurance

Health Insurance Articles

Health Insurance Premium Calculator

PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.

Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 5 Jul 2024 · Originally published: 17 Oct 2024

Compare Health Insurance Plans

Select a company and plan for each side to see a detailed side-by-side comparison.

Other Health Insurance Companies

Star Health Insurance HDFC Ergo Health Care Health Insurance Aditya Birla Health ICICI Lombard Health Bajaj Allianz Health Tata AIG Health SBI Health Insurance

Share your Valuable Feedback

Rating Icon 4.4

Rated by 2,684 customers

Was the Information Helpful?

Select Your Rating

We would like to hear from you

Let us know about your experience or any feedback that might help us serve you better in future.

Reviews and Ratings

Do you have any thoughts you'd like to share?

📞 Call Free